There is nothing about ObamaCare thats working. It took a pack of lies to sell ObamaCare  which passed in the Senate by a single vote.

But the ultimate problem that dooms ObamaCare is cost  the sticker shock of the monthly premiums people are experiencing right now who have been thrown into the ObamaCare exchanges. According to a 49-state study by the Manhattan Institute , ObamaCare is causing an average increase in premiums for individuals of 41 percent.

The primary reason this is happening is that the architects of ObamaCare confuse health insurance with health coverage.

The purpose of health insurance is to protect one from a financial catastrophe in the event of a serious accident or a catastrophic illness. If you want to keep your monthly premiums cheap, you accept a high deductible of $5,000.

That is, your insurance pays nothing unless your medical expenses exceed $5,000 in a year. Until you hit the $5,000 in expenses level, you pay your health care costs out of pocket.

Medical History for all children throughout development at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.

Obesity screening and counseling

Oral Health risk assessment for young children Ages: 0 to 11 months, 1 to 4 years, 5 to 10 years.

Phenylketonuria (PKU) screening for this genetic disorder in newborns

Sexually Transmitted Infection (STI) prevention counseling and screening for adolescents at higher risk Tuberculin testing for children at higher risk of tuberculosis at the following ages: 0 to 11 months, 1 to 4 years, 5 to 10 years, 11 to 14 years, 15 to 17 years.

Vision screening for all children.

This is not a joke or satire. I copied and pasted all this directly from the healthcare.gov website.

All this cumulatively is very expensive.

Obama must think we are all living in the doctors office. We dont need or want all this crap. Most people dont need most of the items on this list.

Ive never had a flu shot. I dont plan on ever getting one. I pay for my own eyeglasses, teeth cleanings, and annual physical exams.

When and if we need some of these items, most of us can pay for these kinds of routine items out of pocket, which would be even easier with tax-free health care savings accounts.

How expensive is a condom?

Is that what we really need health insurance to cover? Should I really be required to pay for someone elses STD screenings?

Insurance is always a bad bet  which is why you want as little insurance as possible. Insurance companies make a good profit by betting on your continued good health. I dont think this makes them evil.

You should follow the example of the insurance companies and bet on your own good health. You only need insurance to protect yourself from a true disaster.

And, of course, anything and everything the government gets involved in gets more expensive. usually exponentially.

But, you might ask, what about people pre-existing conditions?

Thats an easy fix.

They can be put in a high-risk pool and subsidized. But lets not include self-inflicted illnesses (such as alcoholism, drug abuse, and obesity) in the pre-existing condition category.

But what about the elderly?

We have Medicare. Without ObamaCare, we could restore the $716 BILLION that Obama stole from Medicare to pay for ObamaCare.

What about the poor?

We have Medicaid.

So there was no need at all for anything like ObamaCare.

Yes, the old system needed some reforms  some tweaks here and there.

My Nine Tweaks that Would Have Fixed Most of the Flaws in Americas Health Care System

After we repeal ObamaCare, here would be my nine-point plan (tweaks) to fix the old U.S. health care system, which was the best in the world:

6) Subsidize those with expensive pre-existing conditions. This could probably be done through Medicaid.

7) Those who show up at an Emergency Room without health insurance would be treated, but then sanctioned criminally. Probably pay a fine or do community service. Multiple offenders risk jail time (like deadbeat dads). That takes care of the Emergency Room problem. Its a requirement that everyone have some kind of health insurance done the right way.

8) Medical costs and doctor visits should be tax-deductible to encourage illness prevention.

9) Restore the $716 billion that was stolen from Medicare to pay for ObamaCare.

I actually think Medicare was a pretty good idea. Our parents and grandparents should not be bankrupted for the getting old, or not treated when they get cancer or other fatal or debilitating illness through no fault of their own. Getting old is beyond the scope of what we can expect private insurance to cover. But we certainly dont need Medicare for all, including the healthy who are producing income. The private insurance market most certainly can cover the young and healthy.

These reforms could fit on a single sheet of paper  in contrast to the 2,700-page ObamaCare law, plus 15,000 pages of ObamaCare regulations.

There.

Health care insurance problems fixed.

We bring overall health care costs down by phasing out third-party payment systems as much as possible (including employer-provided insurance) and by making individuals responsible for the lions share of their own health care coverage. Then watch health care costs drop.

Flat screen TVs, personal computers, and cell phones used to be prohibitively expensive for most people. Now almost everyone can afford them, even people on welfare. A flat screen TV used to cost $20,000 when they first hit the market. Now they cost $600  for a good one.

When the market is allowed to operate freely, without a lot of government interference and mandates, costs always come down  often to almost nothing.

This is how human progress occurs. This is how free-market capitalism helps everyone become better off, including the poor  as even oneof my favorite rockers Bono admits .

We then take care of the elderly with Medicare (when health care really can become prohibitively costly). And we provide for the poor with Medicaid. All this was happening under the pre-ObamaCare system.

We had a mostly good health care system. It just needed a few tweaks, some minor adjustments.

There was no need to completely reorganize 18 percent of the U.S. economy with ObamaCare.

What is really funny to me is all that stuff is a Cadillac Plan, but he is gonna tax those brutally, yet his minions who sign up for this mess get this full boat BCBS type plan with a subsidy, and we all get to pay for it Redistribution, plain and simple.

3
posted on 11/11/2013 5:33:45 PM PST
by taildragger
(The E-GOP won't know what hit them, The Party of Reagan is almost here, hang tight folks....)

with each day we were.... coming CLOSER... to knowing "whats In it" on the release of this information....I feel so much more secure lmowing that this entire bag of jive will soon be passing on into the ether !!

Many of the "absurd" things on the list are things which insurance companies typically cover, for reasons I will point out in a moment. The absurdity lies not there, but in banning the very useful and popular catastrophic-only policies (which even leftist journalists who used to work for MSNBC support because they are desirable for anyone who is reasonably healthy and at all fiscally responsible).

Some of the "absurd" items actually are, because they are not covering a contingency, but a choice. The main effect of the contraceptive mandate is to raise the cost of policies by the cost of contraceptives plus the administrative overhead generated by the need to process additional claims for their purchase.

On the other hand, other items on the list have been commonly covered by health insurance policies because there is a sound actuarial reason for covering them: encouraging people to buy them cuts estimated cost of claims paid overall (smoking cessation programs and immunizations being notable examples).

Had they wanted the law to actually work, they would have consulted actuaries and would have defined the "Bronze" plan to be more or less a catastrophic-only policy plus coverage for an annual physical with some minor attendant lab work, and those items of the sort on the "absurd" list in the article which actuarially would pay for themselves in reduced claims at the catastrophic level, and allowed employers to offer the same.

10
posted on 11/11/2013 5:49:19 PM PST
by The_Reader_David
(And when they behead your own people in the wars which are to come, then you will know...)

“7) Those who show up at an Emergency Room without health insurance would be treated, but then sanctioned criminally. Probably pay a fine or do community service. Multiple offenders risk jail time (like deadbeat dads). That takes care of the Emergency Room problem. Its a requirement that everyone have some kind of health insurance done the right way.”

Jail people for going to the ER without health insurance?! there is no ‘right say’ for the gov’t to impose a ‘requirement that everyone have some kind of health insurance.’

The company I work for are analyzing the benefits of continuing our insurance or making a wage adjustment to cover obamacare. But the way they analyze means i should be covered until 2035. At a recent meeting the bosses wife made a comment after he had left the room that caused a pregnant silence. It made me think maternity insurance would be a good thing.

Those 72 items (demands) are specifically included, to drive private insurance companies out of the pool of health care insurers.

You can’t provide all that and stay in business. You’ll have to raise your rates so high, most folks will have to drop out, you will be unable to sell your policies and single payer becomes the only thing left.

25
posted on 11/11/2013 6:15:51 PM PST
by DoughtyOne
(Obama, the Democrat Party, the Left in the U. S., have essentially become the 4th Reich.)

Calling this debacle “ObamaCare” obscures the massive irony in the actual title: The Patient Protection and Affordable Care Act. So are we as a nation better protected? Are costs lower?

Voters need to ask themselves:
1. When your insurance was cancelled due to the democrats’ law, did that make you feel “protected”?
2. When you are forced to pay many times more for policies with a higher deductable, did that make care more “affordable”?
3. Who did this to us?
4. Who had the foresight to oppose it?

I think if we want to pick this article apart we are falling for precisely what it is the scammers in the roles of leadership are wanting of us. They want us to focus on just such a list as this author provided to further divert us from the fact this isn’t about healthcare, but about control.

OBAMACARE is about setting the precedent that will in one way or another prevail in the favor of the Leftist’s, the Marxist’s so ‘H’ bent on ruling the World.

33
posted on 11/11/2013 6:29:34 PM PST
by rockinqsranch
(Dems, Libs, Socialists, call 'em what you will. They ALL have fairies livin' in their trees.)

Much of this coverage is about problems that can easily be avoided with something called self-responsibility. Drug counseling, Hep B, HIV, Chlamydia, diet counseling, contraceptives, morning after pill, smoking cessation.

This is the purest form of stupidity that ever existed. Why is anyone even discussing how we implement this disaster? The American people have been lied to, and the perpetrators need to be held accountable.

7) Those who show up at an Emergency Room without health insurance would be treated, but then sanctioned criminally. Probably pay a fine or do community service. Multiple offenders risk jail time (like deadbeat dads). That takes care of the Emergency Room problem. Its a requirement that everyone have some kind of health insurance done the right way.

While I agree with you that we should always question their motives, I think it’s important for our fellow citizens to see some of the absurd things that are required to be in EVERY policy.

WHY should maternity be in the policy of EVERY American?

Why should ASPIRIN be paid for by insurance AND required in every policy?

If you’re a reckless driver, then you should have to have that kind of car insurance, but I’m not, and the government shouldn’t be requiring me to have it.

If you like fragrance in your car, then go buy it, you shouldn’t have the government requiring it in EVERY car insurance policy.

This kind of nonsense is exactly what opens peoples’ eyes sometimes about the difference between too much government and a government that only handles essential items for governments. When they start thinking along those lines, then it’s possible that good can follow close behind.

42
posted on 11/11/2013 6:41:47 PM PST
by xzins
( Retired Army Chaplain and Proud of It! Those who truly support our troops pray for victory!)

Perhaps at the outset, when the thing was just a plan and a piece of legislation. Now that the roll-out has produced a catastrophic fail of truly epic proportions, accompanied by almost universal ridicule, NOBODY wants to be associated with it, particularly nobody running for re-election in the midterms. It's only the Obama-worshipping denizens of the media, with their desperate search to find any miniscule silver lining in this massive black cloud, who have anything remotely positive to say about it.

It is true that some people don’t have the money to pay for any kind of health insurance. Especially if there are dependents involved, that’s an important issue. Some people — many irresponsible — will never get there.

The Good Samaritan type coverage in emergency rooms for that kind of thing was not necessary, but I understood it, and in the context of a Good Samaritan, I was willing to go along with it.

It got abused and got crazy.

At least they should have been tracking individual abusers by SSN, so they could modify to deny emergency room care.

46
posted on 11/11/2013 6:50:27 PM PST
by xzins
( Retired Army Chaplain and Proud of It! Those who truly support our troops pray for victory!)

True. But at the same time, I can't think of any other privately-run establishment where the owner/operator is required to provide products or services to their "customers" even if they know up front that the customers can't pay the bill.

Without something as harsh as the threat of jail time, you're giving hospitals no other choice but to: (1) require uninsured patients to pay cash or post a bond up front, or (2) close down.

48
posted on 11/11/2013 6:51:00 PM PST
by Alberta's Child
("I've never seen such a conclave of minstrels in my life.")

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